Fidelity D & D Bancorp, Inc. · NASDAQ:FDBC
Fidelity D & D Bancorp — Shareholder Meeting (May 2026)
22 slides from Fidelity D & D Bancorp's shareholder meeting presentation, May 5, 2026
Slide 1: Annual Meeting of Shareholders
Annual Meeting of Shareholders May 5, 2026
Slide 2: Forward-looking statements
Forward-looking statements Certain of the matters discussed in this Annual Shareholder Presentation may constitute forward-looking statements for purposes of the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended, and as such may involve known and unknown risks,
Slide 3: Fidelity Bank Vision & Values
Fidelity Bank Vision & Values 3
Slide 4: Fidelity D & D Bancorp, Inc. Overview
Fidelity D & D Bancorp, Inc. Overview Company Overview as of March 31, 2026 Headquarters Dunmore, PA Ticker / Exchange FDBC / NASDAQ Market Capitalization $254,476 Outstanding Shares 5,879,754 Year Established 1902 Branches 21 Financial Overview as of March 31, 2026 Total Assets $2,859,265 LTM ROAA
Slide 5: Making Our Move
Making Our Move 2022 2023 2024 2025 2026 Renovation of Branch relocation New Branch in Dunmore branch Branch relocation Visit from in Bethlehem. Wilkes-Barre. completed, in Easton. Governor Shapiro Currently Currently featuring a fully Currently at Future Purchased $57 million $33 million equipped c
Slide 6: Executive management team
Daniel J. Santaniello Salvatore R. DeFrancesco, Jr. Ruth G. Turkington President Executive Vice President Executive Vice President Chief Executive Officer Chief Financial Officer Chief Consumer Banking Officer Joined 2001 Joined 2003 Joined 2023 Peter A. Gray Adam D. Bonanno Executive Vice President
Slide 7: Financial Highlights: Net Income
Financial Highlights Net Income $35,000 $30,021 $30,000 $28,198 $24,008 $25,000 $20,794 $20,000 $18,210 $15,000 $10,000 $5,000 $0 2021 2022 2023 2024 2025 Highlights • In 2025, net income increased $7.4 million or 36% when compared to 2024. • 1st quarter 2026 net income was $7.5 million, an increase
Slide 8: Financial Highlights: Earnings Per Share
Financial Highlights Earnings Per Share $6.00 $5.29 $4.86 $5.00 $4.48 $4.00 $3.60 $3.19 $3.00 $2.00 $1.00 $0.00 2021 2022 2023 2024 2025 Highlights • In 2025, earning per shares increased by $1.26, or 35% when compared to 2024. • 1st quarter of 2026 diluted earnings per share was $1.28, an increase
Slide 9: Financial Highlights: Net Interest Income and Margin
Financial Highlights Net Interest Income ($ in thousands) and Net Interest In Margin (%) $74,000 3.50% $72,274 $72,671 $72,000 3.28% 2.95% 3.00% 3.23% $70,000 2.81% 2.72% 2.50% $68,000 $66,000 2.00% $64,000 1.50% $61,829 $62,047 $61,865 $62,000 1.00% $60,000 0.50% $58,000 $56,000 0.00% 2021 2022 202
Slide 10: Financial Highlights: Assets
Financial Highlights Assets $2,800,000 $2,748,058 $2,700,000 $2,584,616 $2,600,000 $2,503,159 $2,500,000 $2,419,104 $2,400,000 $2,378,372 $2,300,000 $2,200,000 $2,100,000 2021 2022 2023 2024 2025 Highlights • In 2025, total assets totaled $2.7 billion, an increase of $163 million, or 6% when compare
Slide 11: Balance Sheet Mix: Loan Portfolio
Balance Sheet Mix Loan Portfolio Highlights as of 12/31/2025 Direct Consumer, • Gross loans of $1.9 billion. $139,853, 7% Auto Loans and Leases, • Loans increased $111.9 million or 6% over 2024. $73,657, 4% • Loan-to-Deposit Ratio of 77.48%. Commercial R/E Owner, $340,808, 18% • 5.64% loan yield yea
Slide 12: Balance Sheet Mix: Deposit Portfolio
Balance Sheet Mix Deposit Portfolio Highlights as of 12/31/2025 • Total Deposits of $2.5 billion. • Deposits increased $126.5 million or 5% over 2024. • 50% of deposits are non-interest and interest bearing Non-interest bearing checking accounts. $552,581, 23% Interest bearing Checking, $674,412, 27
Slide 13: Deposit Market Share
Deposit Market Share Northeast Market (Lackawanna and Luzerne) 1 Year 5 Year Number of Market Deposit Deposit Rank Institution Name Offices Deposits Share Growth Growth 1 PNC Bank, National Association 16 $3,458,779 22.22% -5.29% -2.67% 2 Peoples Security Bank and Trust Company 20 $2,217,569 14.24%
Slide 14: Credit Quality Trends
Credit Quality Trends Nonperforming Assets/Total Assets 0.40% 0.30% 0.30% 0.27% 0.20% 0.17% 0.13% 0.10% 0.08% 0.00% 2021 2022 2023 2024 2025 Allowance for Loan Losses / Gross Loans 1.14% 1.12% 1.12% 1.10% 1.10% 1.09% 1.09% 1.08% 1.06% 1.06% 1.04% 1.02% 2021 2022 2023 2024 2025 Net Charge-Offs (Recov
Slide 15: Capital Strength
Capital Strength 16.00% 14.64% 14.78% 14.78% 14.51% 14.35% 14.00% 12.00% 10.00% 9.22% 9.22% 9.34% 8.69% 7.94% 8.01% 8.00% 7.93% 7.16% 6.79% 6.01% 6.00% 4.00% 2021 2022 2023 2024 2025 Total Capital Ratio Tier 1 Leverage Ratio Tangible Equity/Tangible Assets • Source FDBC 10-K 15
Slide 16: Financial Highlights: Dividends Per Share
Financial Highlights Dividends Per Share Highlights $1.80 $1.63 $1.60 $1.54 Dividends have increased 11 years in a row $1.46 2025: $1.63 5.8% $1.40 $1.35 2024: $1.54 5.5% $1.23 2023: $1.46 8.1% $1.20 2022: $1.35 9.8% 2021: $1.23 7.9% 2020: $1.14 7.5% $1.00 2019: $1.06 8.2% 2018: $0.98 11.4% $0.80 20
Slide 17: Stock Market Performance
Stock Market Performance Summary Market Profile Data as of 3/31/2026 Ticker: FDBC Exchange: NASDAQGM Stock Price $43.28 Market Cap. ($M) $254 Dividend Yield 3.84% Average Daily Volume (3 Months) Avg Daily Volume (Shares) 7,220 Avg Daily Volume ($000s) $321 52-Week High/Low 52-Week High (12/16/2025)
Slide 18: Strategic Initiatives & Strategy
Strategic Initiatives & Strategy Strengthen the Bank’s Core Foundation Invest in Human Talent • Launched a Fraud Investigative Unit • Invest in Top Talent • New Online Banking Platform & Mobile • Foster Leadership Development App • Offer Projects/Conferences • Implement Internal Process Improvements
Slide 19: Digital Adoption Rates
Digital Adoption Rates 68.6% increase in 15.4% increase in Business 12.6% increase in Business App users Online Banking users Consumer App users 5.4% increase in Consumer 8% increase in mobile 40.9% increase in Consumer Online Banking users dollars deposited Loan applications Comparison of December
Slide 20: Community Involvement & Accolades
Community Involvement & Accolades • 26,262 hours donated by Bankers since 2020 to community organizations through the Volunteer Time Off program. • $1.6 million given in philanthropic support to organizations, groups and schools throughout the community in 2025. • Received the Bauer 5-star for 12 co
Slide 21: Wealth Management
Wealth Management Through a client centric approach, Wealth Management non-interest income increased from $3.2 million in 2021 to $5.3 million in 2025, or 13.28% CAGR. Team Based Model Single Advisor Model • Planning Focused • Financial Planning • Trust Planning and • Individual Retirement Administr
Slide 22: Well Positioned for Continued Shareholder Growth
Well Positioned for Continued Shareholder Growth Return Performance: Strong organic growth since 2020 and after the acquisition of Merchants Bank: • Assets: 68.2% • Gross Loans: 80.7% • Deposits: 70.7% • Net Income: 116.33%* Diversified Balance Sheet: • Loans mix 63.1% commercial; 36.9% retail. • Hi
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